Personal loans in Ralls, TX

Ralls: the sourced local profile

Read the local figures below as context; read the sourced Texas table as the rulebook a lender here must follow.

• Population: an estimated 1,578 residents, 673rd of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
• Population trend: About 5.1% below the 2020 Census base.
• Absolute change: 84 residents lost between 2020 and 2023.
• Size percentile: about 45% of Texas communities are smaller than Ralls (1,578 residents).
• Population density: 1,170 people per square mile on 1.3 square miles of land.
• Land area: Ralls covers 1.3 square miles, the 902nd-largest area among Texas's 1,224 places.
• Within Texas: about 0.0% of the state's population lives in Ralls.
• National standing: Ralls ranks 8,514th of 19,457 US places.
• Growth in Texas: Ralls stands 1,196th by percentage change from 2020 to 2023, among 1,224 places.
• Versus Texas: the state average change is +6.5%, while Ralls moved 5.1%.
• Density rank: Ralls is the 408th most densely settled place in Texas.
• Density in context: Ralls's 1,170 people per square mile sit against a Texas median of 840.
• Location: 33.6788 / -101.3846, per the US Census Bureau Gazetteer.
• Nearest larger cities: Idalou (17 mi); Floydada (21 mi); Slaton (22 mi); Abernathy (29 mi); Lubbock (30 mi). Lenders licensed in the state serve Ralls whether or not they keep a local branch.
• Nearest smaller towns: Lorenzo (9 mi); Crosbyton (9 mi); Petersburg (18 mi) — useful context for the surrounding area.
• Smaller neighbours: 16 places smaller than Ralls sit within 50 miles.
• At 100 miles: 32 larger Census places fall inside that radius.

How Ralls compares across Texas

Among Texas's 1,224 places, Ralls sits at 673rd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Ralls stands 1,196th among Texas's 1,224 places — roughly the 2th percentile. By density, at about 1,170 people per square mile, it ranks 408th in Texas. Between 2020 and 2023 the count changed by roughly 84 residents.

What shapes a Ralls personal loan

In Ralls, a small community of about 1,578, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Ralls's 1,578 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Ralls loan but raises total interest, so the smallest payment is not the cheapest loan.

The Texas lending rules that reach Ralls

When Texas does not publish a figure, the row links to the source instead of inventing a number; Ralls is bound by the same rules.

Where Ralls sits

The Census Gazetteer records about 1.3 square miles of land within Ralls, with no significant water area listed. Spread across it are roughly 1,170 residents per square mile. The state's population centre of gravity, Houston, is roughly 443 miles away. Ralls has 11 larger places within a 50-mile radius. By land area it ranks 902nd of 1,224 Texas places.

Before you apply in Ralls

For Ralls's roughly 1,578 residents, these are the steps that most influence the offer:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Model the payment on the calculator before a lender models it for you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Confirm the Texas licence with the regulator named above before committing.
5. Make sure the new payment leaves room in a budget you already keep.
6. Pick the shortest term whose payment you can comfortably afford.
7. Keep the amount to the expense; an approval is not a reason to take more.

What differs between Ralls and the rest of Texas is not the process but the borrower's own file, among the 1,578 people here.